1. Health Care Reform: Understanding your new healthcare options What do I need to know? Presented by: Michigan Consumers for Healthcare www.healthreformtruth.com

2. So what’s a marketplace?

3. Essential Health Benefits Coverage Preventive care Hospitals Physicians Prescription drugs Mental health Rehabilitation Habilitation services Substance abuse Dental and vision care for children Maternity care www.healthreformtruth.com

4. What’s the deal with the metals?

5. Insurance companies won’t be able to turn people down because of pre-existing conditions. This took effect in 2010 for children and on Jan. 1, 2014 for everyone. Security and Control www.healthreformtruth.com

6. No annual or lifetime limits Spending caps will limit the amount consumers pay out of pocket each year. Insurance companies have to spend at least 80-85% of premiums on medical care. Eligible for tax credits Insurers must justify premium increases Financial Protections www.healthreformtruth.com

7. Insurance companies will no longer be able to deny coverage due to a pre-existing condition such as: – Breast or cervical cancer – Pregnancy or C-section – Domestic abuse An insurer will no longer be able to charge women more than men for the same coverage. Women www.healthreformtruth.com

8. New Insurance Plans Must Cover Expanded Benefits for Women Contraceptives and contraceptive counseling is covered with no copay or deductible Every dollar spent in pregnancy prevention saves $4 in health costs to mom and child HIV screening and counseling An annual well-woman visit Breastfeeding support, supplies, and counseling Domestic violence screening

9. Families and individuals will receive tax credits to help pay for health insurance, depending upon income. Tax credits will be available to families earning between 133- 400% of the Federal Poverty Level (between $31,322 and $94,200 for a family of four). Tax credits are designed to keep premium costs between 2%-8% of income, on a sliding scale. Moderate-Income Americans www.healthreformtruth.com

10. Cost-Sharing Subsidies Also Help

11. State health insurance programs under Medicaid will cover all families and individuals with incomes up to 133% of the Federal Poverty Level ($15,282 for an individual, $31,322 for a family of four) In Michigan, the expanded Medicaid program will not begin until April 1, 2014 Expand State Health Insurance Programs www.healthreformtruth.com

12. Eligibility remains the same for infants, kids and pregnant women Infants (under 1): Medicaid eligible up to 185% FPL. MiChild 200% Children: 150% FPL. MiChild 200% Pregnant Women: 185% FPL

13. No mandate on small businesses Rewards good actors with subsidies Small businesses and non-profits qualify Single form to fill out Credits carry over up to 20 years Maximum subsidy is 50% for smaller businesses Small Business Benefits Too www.healthreformtruth.com

14. Navigators can help answer your questions

15. What You Can Do Join MCH’s email list, find us on Twitter @MIChealthcare or http://Facebook.com/consumersforhealthcare Use the Legislative Action Center at www.consumersforhealthcare.org www.consumersforhealthcare.org Find a navigator near you at www.enrollmichigan.com www.healthreformtruth.com